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茶产业链融资:模式、问题及对策——基于产业链金融的视角

ChainFinance for Tea Industry: Operation Models, Barriers Encountered, and ProposedStrategies from a New Perspective

  • 摘要: 茶产业是推动县域经济发展的关键,是促进乡村振兴、增加农民收入、改善农民生活的重要支柱。由于茶产业链利益链接机制缺失、产业链各个环节割裂,导致无法有效运用供应链金融以化解融资难题。部分银行做了系列尝试,形成了政府主导型、银行主导型、银企合作型等融资模式。但是这些模式仍围绕传统融资方式进行碎片化创新,不足以支撑茶产业链的发展。为此,本文从茶产业链建设、产业链金融创新及茶产业链数字化发展3个维度提出对策建议。

     

    Abstract: Crucial to county economy, the tea industryplays a pivotal role in the rural revitalization, farmer’s income generation,and local resident’s living standard improvement. However, without a functionalmechanism to integrate into the chain finance in the nation, the tea industrylacked a ready access to the proper venues for its financial needs. In thepast, some banking institutions made attempts using government-led, bank-led,or bank-business-cooperative operation models to establish the links for theindustry. But those approaches were managed largely in the traditional patternsand failed to effectively support the development of the business. This articlepresents a 3-dimensional strategy from the perspectives of business linkestablishment, innovative financing, and digitized management as food forthought for today’s tea industry.

     

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